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V. Roadmap: Realistic Path to Scale

Phase 1: AI Copilot (LIVE - Scaling Through Q4 2025)​

Status: LAUNCHED

Goal: Build trust and dataset through valuable free product

Milestones:

  • ✅ Free AI copilot launched
  • ✅ Bank account integration via Plaid
  • ✅ Savings recommendations engine
  • 🔄 Target: 100k-500k active users
  • 🔄 Track verified user savings

Phase 2: Reputation & Token (Q4 2025 - Q1 2026)​

Goal: Launch token and credit scoring infrastructure

Q4 2025: Community Token Launch

  • Method: Community sale (no VC presale)
  • Amount: 10-15% of supply (~1-1.5B tokens)
  • Use of funds: Bank acquisition, lending pool, operations
  • Target raise: $20-50M (depends on market conditions)

Q1 2026: ZK-Proof Infrastructure

  • Badge generation system
  • Privacy-preserving verification
  • On-chain credential storage
  • Integration with lending protocol

Phase 3: Lending Launch (Q2-Q4 2026)​

Goal: Start lending operations with proper banking infrastructure

Q1-Q2 2026: Banking Infrastructure

Two possible paths:

Path A: Acquire small bank (preferred)

  • Target: Community bank with $100-500M assets
  • Federal charter for 50-state lending authority
  • Timeline: 4-6 months from LOI to close
  • Cost: $30-80M depending on target

Path B: State-by-state licensing (backup)

  • Start with no-license states (FL, TX, etc.)
  • Gradually expand to other states
  • Timeline: 6-12 months for first states
  • Cost: $10-30M over 2 years

Q3-Q4 2026: Lending Launch

Pilot Phase (Month 1-3):

  • Geography: Start in 1-3 states
  • Volume: 500-2,000 loans
  • Loan size: $5,000-$15,000
  • Goal: Validate unit economics and default models

Scaling Phase (Month 4-12):

  • Geography: Expand based on pilot results
  • Volume: Scale to 10,000-50,000 loans in year 1
  • Loan size: Gradually increase to $25,000-$50,000
  • Goal: Prove model works at scale

Phase 4: Protocol Maturity (2027+)​

Goal: Become sustainable credit infrastructure

Year 1-2 Focus:

  • Achieve sustainable unit economics
  • Build default data to improve models
  • Scale to 50,000-200,000 active borrowers
  • Prove AI credit scoring works

Year 2-3 Focus:

  • Progressive decentralization of governance
  • Open-source core technology
  • Enable third-party integrations
  • International expansion begins